Independent Financial Advice
Your Independent Financial Advisor holds a unique privilege: the opportunity to excel by exploring the full range of products the market has to offer. This allows for the selection of options perfectly tailored to meet your individual needs.
Unlike many competent financial advisors who are tied to commissions from banks, insurance companies, or SIMs, your Independent Financial Advisor is free from the obligation to promote any specific supplier’s products.
The compensation structure is fundamentally different too. While bank promoters and insurance agents are compensated through commissions based on the quantity—and often the sophistication—of the products they sell, where commissions are usually higher for complex financial products deemed of 'high added value' by the institution, your Independent Financial Advisor operates on a different premise.
With your next Independent Financial Advisor, you'll be free from any potential conflicts of interest. You will partner with a professional who is wholly committed to serving your best interests and is accountable solely to you. The terms of compensation will be transparently agreed upon at the start of your engagement.
Independence
Independence is at the core of being an Independent Financial Advisor. Unaffiliated with banks, financial intermediaries, insurance companies, or fund managers, I am free to source the most advantageous solutions for you. This independence ensures there are no conflicts of interest affecting the advice provided.
I have met many exceptional consultants at banks, leading SIMs, and insurance companies. While they strive to find suitable solutions for their clients, their obligations require them to promote only their organization’s products. Naturally, their compensation is tied to their success in selling these products.
As your Independent Financial Advisor, I am accountable to just one person: you. This singular focus ensures that your interests are always the priority.
Personalization
Personalization is a hallmark of my approach as an Independent Financial Advisor. If you choose, I can conduct a thorough analysis of your unique characteristics, objectives, constraints, and special circumstances. This detailed understanding sets you apart as distinctly different from any other client.
In developing your Financial Plan, I will carefully consider all these elements. This meticulous approach allows me to craft a strategy that is exclusively yours, tailored to meet your specific needs and goals.
Lower Costs = Higher Yield for you
In today's financial landscape, the addition of overly complex products to portfolios is seldom justified. These products, often intricate to dissect (or "unpack" in industry jargon), can obscure the actual costs to investors. For instance, some insurance policies I've encountered are marvels of financial engineering—so complex that the average saver struggles to discern the true profit margins for the institution.
Consider mutual funds or asset management services where managers play an active role and frequently command high fees. Aside from varying entry and exit fees, management fees can climb as high as 3% for equity or balanced funds. Additionally, performance-related fees are tacked on in the rare instances that managers outperform their benchmarks.
I believe such structures are unnecessary today. We should prioritize simplicity, transparency, cost-effectiveness, and clarity. Our goal is to prevent your savings from being eroded by hefty commissions charged by financial intermediaries.
For a clear visual understanding, have a look at the performance graph of a commonly referenced benchmark like the MSCI US Equity Index. This comparison can show how much of your potential earnings could be consumed by management fees alone if your savings were placed in a typical Mutual Fund investing in US Equities, compared to less costly alternatives.
My approach focuses on the overall economic outcome for you. In seeking the best investment solutions, I also aim to minimize costs of various nature — management fees, trading costs, and taxes. By reducing these often substantial cost components, you can expect a significant enhancement in the financial performance of your investments.
Reliability
As your Independent Financial Advisor, I am duly registered with the Single Register of Financial Advisors, demonstrating years—and in my case, decades—of expertise in navigating financial markets.
My professional activities are subject to strict oversight by the OCF (Supervisory Body for the Maintenance of the Single Register of Financial Consultants), which itself is regulated and supervised by Consob.
Investor protection is the cornerstone of the financial market regulations established by Consob. The profession of Financial Advisor, legally a reserved occupation, is designed to ensure a standard of competence, honesty, and transparency. These tenets form the foundation of the trusted relationship I aim to build with each client.
Safety
Did you know?
A Financial Advisor will never have direct access to your funds. You will never be asked to transfer money into an advisor’s account for investment purposes.
A Financial Advisor cannot receive authorization to operate on your current accounts or managed deposit accounts.
This is not just a matter of trust—it is mandated by law, under penalty of criminal and administrative sanctions for the financial advisor.
As your Independent Financial Advisor, my role is to provide expert advice, which you are free to implement or disregard based on your personal judgment.
It’s important to distinguish a Financial Advisor from a Fund Manager. Stories still surface of savers deceived by self-proclaimed 'financial wizards' promising astronomical returns, only to vanish with their clients’ money. These frauds often occur through bank transfers or other financial instruments, with the promise of multiplying the invested sums manifold.
With an Independent Financial Advisor like myself, such scenarios just cannot materialize. Even throughout our advisory relationship, you retain exclusive control and access to your funds and assets.
Can you think of a safer way of protecting your savings?
“Since great things cannot be achieved without some danger, businesses should only accept new endeavors when hope is greater than fear.”
Francesco Guicciardini - Political Speeches (1512)
Federico Bellanti
P.I. 13303710969
Business Address: via Montenapoleone 8, 20121 Milano
Registered Address: via Luigi Manzotti 10, 20158 Milano
info@studiobellanti.com
tel.: +39 02 82942 744
Registered at Albo OCF dei Consulenti Finanziari Autonomi (delib. 2520 del 10/07/2024)
Adhering to the Arbitro per le Controversie Finanziarie
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